Learn how to apply for the Ink Business Unlimited card

I’m interested in the Ink Business Unlimited card. What are the next steps?

The Ink Business Unlimited credit card is suitable for those business owners who at the moment have no time to waste researching all the credit card offers available on the market and simply want a good and easy-to-understand rewards program.

So if you need to focus 100% on your business right now, these are some of the advantages you will enjoy by becoming an Ink Business Unlimited cardholder:

• Enjoy a $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after the account opening.
• Enjoy unlimited 1.5% cash back rewards on every purchase.
• 0% intro APR for 12 months from account opening on purchases. After that, a 15.49%–21.49% variable APR applies.
• The annual fee for the Ink Business Unlimited credit card is zero.

• Redeem your rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.
• Add employee cards at no additional cost. Employee cards let you set individual spending limits and help you earn rewards even faster.
• Monitor and protect your business.
• Stay on top of your business with Fraud Protection, Purchase Protection, personalized Account Alerts, and more.
• You can redeem for cash back as a statement credit to apply toward your balance, or get it directly deposited to most U.S. checking and savings accounts. There are no minimums to redeem your Cashback rewards points.

Who can apply?

Recommended credit score for Ink Business Unlimited credit card is good to excellent (670 – 850). The Ink Business Unlimited is tailored to small-business owners.

The Ink Business Unlimited credit card is a great option for entrepreneurs who don’t want to deal with complicated bonus categories and the intro APR offer makes it an ideal choice if you need to pay off new purchases over time.

How to apply?

To apply for an Ink Business Unlimited credit card, go to the Chase bank website and then “Apply as a guest” if you are not already a Chase customer. There is an option to apply more quickly if you are already a bank customer.

Fill out the form with your information and wait for Chase Bank’s response.

If the answer for you is positive, be sure to remember that you can refer business owners and thus earn 20,000 bonus points for each business that gets approved for any Chase Ink credit card.

Is it worth applying for the Ink Business Unlimited credit card?

The first thing that can be mentioned is the 3% fee for international transactions.

The card has no annual fee and offers a 0% introductory annual percentage rate (APR) on purchases for 12 months from account opening. After that, you’ll pay a 14.74% – 20.74% variable APR. It’s a good choice if you’ve got a big purchase coming up that you’ll need to pay off over time.

The cashback rewards rate of 1.5% on everything is simple, but not necessarily the most profitable in the market.

Cards with higher percentages in categories that have to do with your business may prove to be more profitable – but for this, you will need to do some research.

Ink Business Unlimited credit card vs Citi Secured Mastercard

While the Ink Business Unlimited credit card is for entrepreneurs, The Citi Secured Mastercard is a credit card designed specifically for people who are new to credit or want to build their credit.

The purpose of this card is to help you build or improve your credit score. This is why Citi Secured Mastercard cardholders will have no rewards or perks.

Overall, it’s a good choice for people who want no distractions or temptations when repairing credit with a credit card. If you are looking to establish your credit, the Citi Secured Mastercard can help you get there.

If this is the case for you, you should give the Citi Secured Mastercard credit card a chance.

Ink Business Unlimited credit card pros:

• $900 cash back when you spend $6,000 within three months of opening your account.
• 1.5 percent cash back on all purchases.
• 0 percent on purchases for 12 months.
• $0 annual fee.
• Unlimited rewards without expiration.

Citi Secured Mastercard pros:

• High rewards rate.
• No annual fee.
• Only a $200 minimum is needed for the security deposit.
• You can qualify with limited or no credit.

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